If you want to build a business and avoid becoming a slave to your agency, you have to find the next generation of agents. This has to be one of the most important things you do over the next five, 10, 15 or 20 years. You really don't have a choice, because this year alone one out of every four agents will be retiring. It's up to you to make sure that next wave of agents knows how to properly help people plan for the day they don't want to think about. That's what Ryan talks with Matt Sapaula, Co-Owner at PHP Agency, about he always has someone to hold a torch. Want to see Matt live, grabbing a ticket to Elevate 18 will do make it happen. Connect with Matt: MoneySmartGuy.com PHP Agency Subscribe to Matt on YouTube P.S. You already know this, but Elevate 18 tickets could change your life.